Homeowners insurance covers the structure of your home and your personal property, as well as your personal legal responsibility (or liability) for injuries to others or their property while they’re on your property.
Pays for damage to your house and to structures attached to your house. This includes damage to fixtures, such as plumbing, electrical wiring, heating and permanently installed air-conditioning systems.
Pays for damage to fences, tool sheds, freestanding garages, guest cottages and other structures not attached to your house.
Reimburses you for the value of your possessions, including furniture, electronics, appliances and clothing, damaged or lost even when they aren’t on your property, such as those at an offsite storage locker or with your child at college.
Loss of Use
Pays some of your additional living expenses while your home is being repaired.
Pays some of your additional living expenses while your home. Covers your financial loss if you are sued and found legally responsible for injuries or damages to someone else. is being repaired.